NIACOG Housing Trust Fund
Our mission is to enhance the affordable housing stock and
its availability to low to moderate income households.

  1. Emergency Project Application
    This program is for malfunctioning furnaces, malfunctioning water heaters, handicapped ramps, and other emergencies. The household must include a senior citizen (62+) and/or a disabled person. The home must be located in Cerro Gordo, Floyd, Franklin, Hancock, Kossuth, Mitchell, Winnebago, or Worth County.
    Emergency Project Application (Word) (PDF); Brochure (PDF)

  2. Home Repair Application - Cerro Gordo County
    This program takes on a wider range of essential home repairs (beyond emergencies). Eligible projects include severely dilapidated roof, handicapped access, or non-functioning: plumbing, electrical, furnace, hot water heater, or water/sewer line. Projects average about $6,000. The home must be located in Cerro Gordo County. If children under 6 years of age live in the home, additional funding may be available through the Cerro Gordo Public Health Department's Lead Abatement Program.
    (Word)(PDF); Brochure (PDF)

  3. Major Home Overhaul - 2018
    If your home needs a major overhaul, this is the program for you. This application will get you on the 2018 list for major overhaul home repair projects that include multiple features like roof replacement, vinyl siding, electrical service upgrade, furnace replacement, wall repair, and leaking basement repair. This program will average $24,000 per project with a minimum construction cost of $20,000 per project
    . If you sign up for this program now, you will be contacted when funds become available for 2018. To receive a funding award you will be required later to complete a full application. Implementation of this round is subject to funding award from the Federal Home Loan Bank, which will be announced in December 2017
    (Word) (PDF)

  4. Rental Housing Repair Application -

    Home repair for rental housing in Cerro Gordo County. Projects primarily include exterior improvements such as siding/painting, window replacement, replacement of front steps, demolition of garages in poor condition or other repairs that focus on badly needed exterior rehabilitation. Large projects of $20,000 or more are preferred, but not required. This program can be used in combination with the Cerro Gordo Public Health Lead Abatement Program described below. Contact NIACOG if you would like to be added to the mailing list for any future funding rounds.

    Rental Housing Repair Application (Word) (PDF); Brochure (PDF)

  Not eligible? If your project is not eligible for our Programs, please refer to the 'Other Resources' listed
  at the bottom of this page.



  Am I Eligible for Owner-Occupied Home Repair Assistance?

 To be eligible for assistance your home must:

  • Be located in a program eligible county. See eligible counties for respective program descriptions listed above (1-3).
  • Be owned by you.
  • Have an eligible repair need.
    • Emergency Projects are limited to true emergencies (for example: furnace or hot water heater not working or handicapped ramp). 
    • Home Repair Projects can include:
      • Non-functioning or hazardous situation with: plumbing, electrical, furnace, hot water heater, or water/sewer line
      • Replacement of deteriorated siding, windows, doors, or roof
      • Placement of window screens or sump pump/backflow valve
      • Adding handicapped access (ramp, bathroom, door widening)
  • Be current on house payments.
  • Be insured (homeowners insurance).

  For Emergency Projects only, a senior citizen or disabled person MUST be
  living in the home.

   Financial Limits (maximums) for owner-occupied projects: 
    • Liquid Cash Asset Limit $25,000 
    • Owner-Occupied Income Limits: 
      • 1-person household $27,060
      • 2-person household $30,960
      • 3-person household $34,800
      • 4-person household $38,640
      • 5-person household $41,760
      • 6-person household $44,800


 Do I have to pay back the ‘loan’?

 The assistance functions like a grant and repayment is not required unless the
 home is sold (or refinanced with funds paid out) within 5 years.
1/60th of the
 loan is forgiven each month for 5 years without payment as long as ownership 
 is maintained.

What is the process?

 FOR EMERGENCY REPAIR PROJECTS: You complete the application and
 supply bids from contractors. NIACOG determines eligibility, inspects repairs,
 and pays the contractor if eligible.

 FOR HOME REPAIR / OVERHAUL PROJECTS: Your first step is to complete
 the Pre-Application. If your Pre-Application looks eligible, a full application will
 be mailed to you when funds become available for your project. Please note
 that the application may not be sent until December, but could possibly be
 sooner if current funding is still available. After your full application is received,
 NIACOG staff will determine your eligibility and inspect
the requested repairs.
 After that, bids are taken from local contractors, and a contractor is hired to
 complete the job  Contractors must be registered with the state of Iowa to be
 eligible for hiring.

 What sources fund the program?

 These programs are made possible through the generous support of the
 following contributors:

  • State Housing Trust Fund
  • Federal Home Loan Bank Of Des Moines 
  • First Citizens National Bank
  • Clear Lake Bank & Trust
  • NSB Bank
  • North Iowa Community Credit Union
  • Wells Fargo Foundation
  • Cerro Gordo County
  • MBT Bank
  • United Way of North Central Iowa
  • Cent Credit Union
  • Worth County Development Authority
  • Shopko Foundation
  • US Bank

  What organizations work together to implement this program?

 The following agencies assist with the staffing, marketing,
 and/or implementation of the NIACOG Housing Trust Fund programs.

  • North Iowa Area Council of Governments (NIACOG)
  • North Iowa Community Action Organization
  • Elderbridge Agency on Aging

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